Synchrony Bank Customer Service Issues

My application for SYNCB Rotmans was denied due to unverifiable application information. The refusal was not related to my credit report, as I am familiar with its contents. I suspect it may be due to being retired, though our income is sufficient for a Rotman's charge. This denial has greatly upset me, as I have never been turned down for a credit card before. I intended to make multiple purchases from Rotmans and prefer not to use my savings, opting for monthly payments without accruing interest. It is my practice to pay off my credit card balances in full each month. I would assume my credit score would indicate my ability to manage charges responsibly. Am I being refused solely because of my retired status? This feels like discrimination to me. I am eager to receive a prompt response as the dated letter from Application Processing in Orlando, FL, on 6/27/19, mentioned no specific reason for the denial. Thank you for addressing this matter promptly. Regards, Charon Q., born on 6/22/45.

For the past two months, we have been experiencing issues with receiving our statements on time. This has caused two of our accounts to be late. We discovered that payments were being sent to the wrong JTV account with a zero balance instead of our correct account [redacted]. While we have resolved that issue, today we received a notification from Phillips 66 stating our credit card account [redacted] is past due. We managed to have the late fee waived, but it is concerning that we are not getting statements and notifications as usual. We usually receive statements via email at [redacted] and prefer this method over mail. We always pay our bills on time, so it's frustrating to be told we are late due to issues beyond our control. Please ensure that all vendors sending us statements have our correct email address. Our current address is Max and Debra Smith, [redacted] Old Jenny Lind Loop, Ft. Smith, AR, [redacted]. We will be moving in the next sixty days and will update our information with everyone accordingly.

I am currently facing financial hardship and am unable to continue making payments on my Synchrony Bank credit cards due to a significant decrease in income following the passing of my mother in March. I was her caregiver for almost four years, and my health has deteriorated to a point where I cannot work outside the home. I receive a low monthly payment from Social Security and am struggling to find affordable housing that accommodates my limited income as a person with disabilities. I also suffer from extreme depression, PTSD, chronic pain, and uncontrolled autoimmune disease due to the stress I am under. I sincerely apologize for not being able to make payments and kindly request that the cards be cancelled. Maureen Davey Email: [redacted] Phone: [redacted] For security reasons, I do not answer calls from unidentified numbers. Regarding a letter I received from Synchrony requesting a $29.00 withdrawal from my checking account on August 5th under LTR [redacted], I do not authorize this transaction or any future access to my account.

Several months ago, I co-signed a loan for my son's dental work, agreeing to $[redacted]. However, it was raised to $[redacted] without my consent. Despite this issue, my main concern now is that I have been making payments towards this bill since my son, Kevin W. Horrigan, who is handicapped, lost his job. Kevin's recent bankruptcy filing is separate from me, and I have not declared bankruptcy. I have tried contacting the bank multiple times to resolve this matter but have been met with unhelpful responses and even had calls disconnected. I urge the bank to remove any negative credit reporting related to Kevin's bankruptcy from my credit history. I am willing to discuss this further if someone from the bank could reach out to me. Thank you. - A.H.

I received a letter from NCI regarding an alleged debt from three years ago tied to PayPal through Synchrony Bank. I don't recall this debt and have not been contacted until the recent NCI letter. I am disputing this debt with Synchrony Bank by mail but have not received a response yet. I am hesitant to pay without knowing the details of the debt. The NCI letter provided some information about the creditor, merchant, account number, and balance. I am willing to settle the debt if I can remember incurring it. I have shared my contact details for reference.

I had only 2 payments left to clear the remaining $[redacted] credit on my account when I noticed a 30% charge dating back to the initial purchase. Unfortunately, I overlooked it until this month, which means I am now a month behind the initial interest charge. The plan was to pay it off smoothly in the next 2 months, assuming the 30% wouldn't come into play with my forthcoming payments. All my payments have been on time, set on autopay, with the expectation of resolving this issue promptly. I intended to continue shopping at Ashley Furniture with Synchrony Bank but now seek assistance in rectifying this as I can cover the cost. The recurring $2 interest fee per payment is contrary to the promotional terms I agreed to, leading me to realize I've been accruing interest all along.

Synchrony Bank's Transparency Principle requires customers with initial Dental charges over $[redacted] to apply directly with CareCredit. In my case, despite $[redacted] in initial charges, the provider processed my application without directing me to CareCredit. I was approved for $[redacted], made a $[redacted] purchase, and am now seeking a refund as per the terms allowing cardholders to reverse charges over $[redacted] made within 3 days when providers submit applications. I seek to exercise my right to have the charges reversed onto my card as outlined by Synchrony Bank.

I have two bank accounts, one is new with Rooms to Go and is a joint account. I need to correct a mistake on this account even though it was already accepted. The other account is with Evine, it's also new, but not joint. Previously, I had an Amazon account with a digital charge issue that wasn't resolved, so I paid it off and closed the account. Please review my payment history. Last night, I tried to apply for a joint account with Ashley Furniture to take advantage of their online sale until 8/31. I applied for your card to make interest-free payments, but it seems there was an issue with the application process. I don't understand why I wasn't approved, considering my credit score. I want to avoid any negative impact on our credit scores if this was just a mistake in the application. Kindly review this situation.

I am experiencing difficulty accessing my Synchrony Bank account. Upon signing into the website, I am greeted with a message stating: "Important. Your account information is not available online. Please contact Customer Service at the phone number provided on the back of your card or statement." Consequently, I am unable to place any orders or utilize my credit card. I am concerned whether my account may have been closed due to inactivity as I have not used it in approximately 2 years. The credit card is under the name Michael Lane and the card number is 6[redacted] 0[redacted].

I recently made a purchase on Amazon using my new Amazon Prime card. The item I ordered was incorrect, so I requested a return and refund, which has been processed. However, I was informed that the refund will be credited to my card, meaning the money can only be used on Amazon. Despite multiple attempts to clarify with Amazon customer service and Synchrony, I was unable to resolve the issue. This has led me to report the matter to the Better Business Bureau. I need the refund returned to me directly, not just tied to my Amazon account, as I intended to use the money elsewhere due to the incorrect item received.

I use Paypal and I understand my credit score is low. I kindly ask for the opportunity to increase my credit to purchase a drone from eBay. My payment history demonstrates my reliability. The drone is intended for commercial purposes and presents a good market opportunity. Despite previous credit increase denials, I am reaching out for support. My name is Gary C. [redacted] E Beulah Ave, Terre Haute, IN [redacted]. Please consider that my credit score was affected by a family member's actions. I am willing and capable of managing an additional $[redacted] per month on my Paypal account. Thank you for your assistance, and I appreciate your consideration.

I have received communication from Synchrony Bank stating that they've temporarily credited the disputed amount related to fraudulent charges on my Chevron and Texaco Credit Card ending in [redacted]. Although they have taken necessary actions, I would prefer no further contact until this issue is fully resolved. I've provided evidence that the charges were not made by me. Synchrony Bank has assured me with their $0 Fraud Liability benefit and has initiated steps like canceling my card, issuing a new one, opening a claim, and updating credit bureaus. They have recommended steps for me to follow like updating payment profiles, reviewing statements, and checking other accounts for unauthorized activity. They have also advised that it may take up to 60 days for the claim to be resolved and assured me that they will update me on the outcome. I appreciate their support and look forward to a swift resolution.

I have a Care Credit account and noticed that I have been charged twice for car security, which I never signed up for. This has caused my account to go over the limit. I am concerned that this will be reported to the credit agencies, affecting my credit score. I have called twice to have the charges removed but they are still on my account. I want the erroneous charges of $12 and $16 refunded. I did not authorize these charges and it is unfair and possibly illegal. I want this error corrected and the charges refunded promptly to avoid any negative impact on my credit score. I am frustrated with the situation and the lack of resolution from customer service.

I arranged automatic withdrawals in July during my payment. Another payment was withdrawn about a week later, but the following month's was missed, resulting in a late fee. I struggled with the setup and may have made an error. Please assist me in setting up automatic withdrawals for the 5th of each month or provide simple instructions for me to do so myself. Reviewing my payment history, you'll see I typically pay on time, often exceeding the amount due. While a refund of the late fee would be appreciated, I kindly ask you not to report this as a late payment to the credit bureau as it was an honest mistake. I also noticed this month's payment was $[redacted] instead of the usual $[redacted]. Did this error contribute to the increased amount? Your help is greatly appreciated. Thank you, Martha M.

I recently applied for a part-time role and completed your online assessment along with the 12 tests. I'm disappointed that it did not provide any specific feedback and simply notified me that I was not a suitable candidate. With 30 years of military experience and nearly a decade as a corrections officer caring for individuals, I am puzzled by this outcome. I was not given the opportunity to offer any input or explanation. I hope my age, which I had to disclose during the process, was not a determining factor, as I understand this should not be used for discriminatory purposes.

I am seeking information regarding my sister's account to ensure all bills are paid on time. I possess power of attorney but have not received a statement. I am concerned about possible late fees. Mail theft in our area compounds the issue. Urgent assistance from customer service is needed to address this matter promptly. Please provide details about the current bill, any outstanding payments, and where to submit payments. I have attempted multiple phone numbers but encountered high call volumes leading to disconnections. The account is under the name Branham in Brea, CA, with the account number [redacted].

I want to address an issue with my HSN account that was transferred to your bank from Comenity Bank. Your records incorrectly show that I am currently filing for bankruptcy when I am not. I had a bankruptcy in [redacted], but it was discharged, and your bank was not involved. Additionally, I made payments to Comenity Bank in August and September, so I should not be listed as delinquent for those months. I will not make any more payments until this error is fixed. I am looking forward to hearing from you soon. -Jay T. Email: [redacted] Phone: [redacted] HSN account number: 6[redacted] 0[redacted]

I received a letter today from a scammer claiming I owe money to Synchrony Bank, despite being informed by both Synchrony Bank and QVC that I do not owe anything. I have been attempting to email you about this issue, but it seems to not be going through. I believe an investigation into this matter is necessary. Sincerely, Pearl Dunlap, [redacted] Piney Level Road, Maryville, TN [redacted]. Thank you for your attention to this matter.

My name is Wylitha M. Lane. My account was opened in [redacted]. When I moved, my identity was stolen. I only received one billing statement and then no more. Today, when I called TransUnion, they said my payment was 90 days late. I was unaware of owing so much because I had not received statements for five months over the past four years. They claimed I paid with bad checks, but I have never had a checking account. I researched and discovered people using my information and paying bills, a practice called check kiting. This has happened to me before since [redacted]. Please assist me. I have faced identity theft since childhood, and this situation feels like another violation.

Please, recently I tried to make a payment that was rejected by the system. After several days, I made the payment and it was sent by mail. It has not reflected on my account. I switched to a new credit card and was assigned a new amount. I took responsibility to pay by mail. I request to be billed by mail and to verify the address for sending payments. Currently, my account is deactivated. You can call me to talk. Thank you.